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Citadel FREE Checking offers a free and easy way to manage your money with NO minimum balance and NO monthly fee! Earn bonus rewards for everyday checking and debit card purchases.
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Citadel Star Checking earns interest on balances of $10,000 or more. Plus there’s no monthly fee when you maintain the minimum $500* or a combined household balance of $10,000.
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*average checking account balance

 

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Citadel Star Premiere Checking earns interest on balances of $5,000 or more. Plus there’s no monthly fee when you maintain the minimum $5,000* or a combined household balance of $25,000.
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*average checking account balance

 


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  • Account Features
  • Order More Checks
  • Interest Rates
  • Switch To Citadel


Requirements FREE Checking STAR Checking Details STAR Premiere Checking Details
Checking Account Balance OR Combined Household Balance $0 $500 $5,000
$0 $10,000 $25,000
Monthly Fee if Balance Requirement is not met FREE $7 $17
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Features FREE CHECKING STAR Checking STAR Premiere Checking
Earns Interest Checkmark-Black Checkmark-Black
Free Online Banking Checkmark-Black Checkmark-Black Checkmark-Black
Free Mobile Banking Checkmark-Black Checkmark-Black Checkmark-Black
Rewards Points Checkmark-Black Checkmark-Black Checkmark-Black
Federally Insured Checkmark-Black Checkmark-Black Checkmark-Black
Courtesy Pay Checkmark-Black Checkmark-Black Checkmark-Black
Overdraft Transfers $5/each Checkmark-Black 3 Free Checkmark-Black Free
Free Standard Checks Checkmark-Black
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ATM Transactions FREE Checking STAR Checking STAR Premiere Checking
ATM Transactions at Citadel ATMs Free Free Free
ATM Transactions at non-Citadel ATMs $2 Free Free
ATM Balance Inquiry Fee at non-Citadel ATMs $1 $1 $1

Every Citadel checking account FREE features:

Bill Payer

Save Time and Stamps. Pay your bills 24 hours a day from anywhere around the world. Learn More

Online Banking

Our Online Banking features a single login to access all of your accounts at Citadel, account-to-account and member-to-member transfers, alerts and more. Learn More

Mobile Banking and Deposit

Use Citadel Mobile Banking on any device to view your account history, check your balances, transfer funds and pay bills. Learn More

Bank by Phone

Make many types of everyday banking transactions using a touch-tone phone. Learn More

eStatements

Access your statement anytime anywhere. It’s FREE, convenient and safe. Learn More

Coin Counting

Fast and accurate, FREE to all members.

Direct Deposit

Funds available fast with FREE direct deposit.

Notary Service

Licensed Notary services available to all Citadel members.

Check Copies

Can be viewed or printed from online banking FREE of charge.

Debit or ATM Card

Available with all checking accounts.

Need to Reorder Checks?

  • Login to Online Banking
  • Call the Customer Service Center at (800) 666-0191
  • Visit a Citadel branch.


Citadel STAR Checking

Star Checking benefits include earning interest on balances of $10,000 or more. There’s no monthly fee when you maintain the minimum $500 average checking account balance (or Combined Household Balance of $10,000).

Today’s Rate APY
$10,000 and up 0.15%

 


Citadel STAR Premiere Checking

STAR Premiere Checking benefits include earning interest on balances of $5,000 or more. There’s no monthly fee when you maintain the minimum $5,000 average checking account balance (or Combined Household Balance of $25,000).

Today’s Rate APY
$5,000 to $24,999.99 0.10%
$25,000 and up 0.15%



Ready to switch to Citadel? We’’re ready to help.

Your Personal Citadel representative is here for you every step of the way.


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Open a Citadel Checking account

Are you a Citadel customer?

Yes
No

Answer yes if you already have an account, loan or credit card with Citadel.

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There are 3 easy ways to open a Citadel Checking Account.

1. Log in to Online Banking

Once you log in:

  • Select “Open New Account”
  • Select “Open Account”
  • Select “View All” to see all available checking accounts
  • Select The Type of Checking account

2. Call (877) 870-1617

A local representative is ready to assist you.

3. Visit a local branch

Do you want to open an additional Citadel Checking Account? If you already have a Citadel Checking Account and want to open another account, click here.

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Opening a Citadel Checking Account is fast and easy.

All you need is 10-15 minutes and a government issued ID. We’ll ask you a few security questions as required by law. Plus, you’ll just need to confirm the type of account you’d prefer..

Please note: Since Citadel is a credit union, you can open an account with us if you live, work, worship, or study in Bucks, Chester, Delaware, Montgomery, or Philadelphia Counties, or the city of Lancaster, PA. You can also become a Citadel customer if a member of your family or household is already a customer, no matter where you live.

Ready to get started?

Have a question? We have an answer. Call (877) 870-1617 to speak with a local representative.

*If no activity for 90 days on FREE Checking, a $15 monthly inactivity fee will apply. Conditions subject to change without notice.

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